Mortgage Banker

First Western Bank & Trust•Sioux Falls, SD

14d•Onsite

About The Position

First Western Bank is searching for an on-site Mortgage Banker at our community bank in Sioux Falls, SD. First Western Bank cares about and invests in our employees. We offer eligible employees and their dependents comprehensive health benefits and programs, which may include insurance for medical, vision, dental, and more, to help you take care of yourself and your family. Other benefits for eligible employees include 401k with company match, company contribution to Health Savings Account, banking benefits, short-term disability, life and long-term disability, bonding leave, holidays, and sick leave. Commission: Mortgage Banker Position Overview: Develop new mortgage loan business for First Western Bank & Trust by developing a community network, soliciting business, responding to customer inquiries, and contacting mortgage referrals; oversee the mortgage loan process from application to closing; provide ongoing customer support with mortgage customers; and provide training for Mortgage Bankers as needed.

Requirements

Bachelor’s degree in accounting, finance, business related field; or equivalent work experience
Minimum 3 years of banking/lending experience
Knowledge of the secondary mortgage market
Knowledge of lending and lending policies & procedures
Knowledge of government loan programs preferred
Able to be licensed and registered by the National Mortgage Licensing System (NMLS)
Building Relationships – able to grow and maintain strong long-term customer relationships
Business Judgment – able to identify business relationships and make sound decisions that are in the best interest and long-term success of the bank
Communication – excellent written and verbal communication skills to clearly convey information to diverse audiences
Customer Focus – able to understand customer needs and promote the value of the bank’s products and services
Emotional Intelligence – can navigate difficult situations with empathy and understanding, fostering positive relationships
Interpersonal Skills – can communicate and interact with others in a way that promotes mutual respect and trust
Negotiation – able to lead negotiations and convert them to mutually beneficial agreements or solutions
Persuasiveness – ability to build strong relationships and trust with colleagues, clients, and stakeholders; fostering collaboration and consensus
Problem-Solving – skilled in identifying and resolving complex problems using analytical and critical thinking skills
Resilience – able to bounce back from difficult situations and maintain a positive attitude and performance
Teamwork – proven ability to work collaboratively in a team environment to achieve common goals
Time Management – highly organized and efficient, with a proven ability to manage multiple projects and meet deadlines
Willingness to Learn – open to new ideas, seeks opportunities to expand knowledge and skills, actively participates in training programs, and seeks feedback to enhance performance
Technology -skilled in Microsoft Office (Publisher, Power Point, Word, Excel, Outlook) and necessary bank software

Responsibilities

Assist the mortgage loan process from application to closing
Promptly respond to all inquiries and online applications
Interview prospective borrower to analyze financial and credit data
Determine customer’s financing objectives and advise customer of product/pricing and guidelines
Take detailed loan applications, turn completed files to processing team and help resolve any problems
Ensure all loans comply with regulatory, legal and bank requirements; including timely and accurate delivery of required disclosures
Assist with training/mentoring other Mortgage Bankers
Provide ongoing customer support; including education, advice, progress reports, answering questions, and resolving problems
Maintain a clean pipeline with an organized follow-up approach and clear communication in relation to interest rate locks, closing dates, extensions, etc.
Establish and maintain an effective network of mortgage referral sources such as realtors, contractors/builders, financial planners, accountants, and others
Maintain knowledge of underwriting criteria
Represent and promote the company to the public and provide leadership through community involvement
Participate in marketing the bank’s products and services